Credit Officer: Underwriting & Risk Decisioning

BDO Unibank, Inc.; Davao City; On-site; PHP 350,000 - 550,000; Full time

Job summary

BDO Unibank, Inc. is seeking a Credit Officer to minimize credit risk and contribute to cards issuing profitability by applying underwriting fundamentals and policy to evaluate applications, and by meeting individual targets to support the team’s objectives.

The role also involves MIS tracking, reporting, and coordination with Head Office and Sales teams to ensure timely processing and high-quality decisions in a retail banking environment.

Qualifications

• Bachelor's degree relevant to the job.
• Minimum of 2 years' experience in retail credit review.
• Good understanding of basic credit card system/solutions.
• Strong problem-solving, decision-making, communication and data analysis skills.

Responsibilities

• Evaluate credit card and personal loan applications using underwriting fundamentals and policy.
• Prepare and track MIS/production reports and monitor turnaround times.
• Coordinate with Sales and PBC teams to gather requirements and ensure timely decisions.

Skills

Credit evaluation

Risk assessment

Data analysis

Communication skills

Teamwork

Education

Bachelor's degree in relevant field

Job description

BDO Unibank, Inc. is seeking a Credit Officer to minimize credit risk and contribute to cards issuing profitability by applying underwriting fundamentals and policy to evaluate applications, and by meeting individual targets to support the team’s objectives.

The role also involves MIS tracking, reporting, and coordination with Head Office and Sales teams to ensure timely processing and high-quality decisions in a retail banking environment.